Making good financial decisions is hard — if it was easy, everyone would do it. I’m a big believer in finding motivation and wisdom in the art I choose to consume, including music. So I’m going to start highlighting music I think has something smart or interesting to say about money.

Today’s Bank Notes highlights a song featuring rapper and R&B singer Phonte, formerly of Little Brother. It might seem a little ridiculous to take money advice from a rapper — rappers generally spend a lot of time boasting about the money they’ve blown on cars and gold chains that cost as much as your house.